Definition of Date Last Insured Dli

Workers, who work and pay employment taxes, are enrolled in the Social Security Disability Insurance program (SSDI). The date the coverage begins is called the date first insured. The date the employee loses coverage is called the date last insured (DLI). The date last insured is the last day in which someone may claim Social Security Disability benefits if they have accumulated enough work credits to be considered insured by the SSA. Assuming you worked full time for ten years or more, your date last insured is usually five years after you left your last job.

How does your date last insured affect your disability application? Claimants who have worked for years but quit working and wait too long to file SSDI benefits may find that they are no longer insured for SSDI and do not qualify for benefits. Claimants may be past their DLI date and no longer eligible even if they have worked years in the past and acquired many work credits. Remember, most workers will need 40 credits, 20 of which were earned in the last 10 years, ending with the year the claimant became disabled.

Claimants who have a condition which is expected to longer than a year should file a Social Security Disability claim immediately. If the claimant cannot immediately complete the application prior to their DLI they can also file an intent to claim, which establishes the date of disability onset before their date last insured expires. If a claimant fails to file their application prior to their DLI they may still qualify for benefits if they can provide medical evidence to prove they were disabled prior to their DLI and they have not performed substantial gainful activity since their DLI date.

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